1. General Terms & Definitions

This You With Credit Terms of Service and Subscription Agreement constitutes an agreement between you (Subscriber, user, or customer) and us (You With Credit Pte. Ltd.), and sets forth the terms and conditions that apply to your access and use of our You With Credit Services, Website and Application(s) (each as defined below).

Definitions

“Anonymised Data” means anonymized data from or based on Personally Identifiable Information and/or personal financial data collected from our users such that the results are no longer personally identifiable with respect to that user.

“Aggregated Anonymised Data” means the aggregated data such that Anonymised Data of a user is aggregated with or incorporated with or into other similar data or information collected from other users or derived from other users’ use of the Services.

"Agreement" means this You With Credit Terms of Service and Subscription Agreement.

"Application", singular or plural, refers to any of our html-based computer programs, smartphone, tablet or personal computer applications and all other software programs made available to You With Credit users by us.

"You With Credit" is the brand name of the Service offered by You With Credit Pte Ltd., a company incorporated in Singapore, and its group companies. "You With Credit"”, "we", “us” or “our”, capitalized or otherwise, means and refers to You With Credit Pte. Ltd.

"Complete You With Credit Community Guidelines" refers to the document set out at https://support.youwithcredit.sg/hc/en-us/articles/360000338461-Complete-youwithcredit-Community-Guidelines

"Party" refers individually to each of you and You With Credit, and collectively the "Parties".

"Subscriber", "user" or "customer", capitalized or otherwise, means the person who accesses, uses or subscribes to the Services, and, if authorized and applicable, the entity on whose behalf any person accesses, uses or subscribes to the Services.

"Website", singular or plural, means http://youwithcredit.com/en/, and/or any other website and social media pages operated by You With Credit in relation to the Services.

"You" means the subscriber, user or customer. "Your", capitalized or otherwise, has a corresponding meaning.

2. Acceptance of Terms

Your access and use of our Website(s) and/or Services is subject to this Agreement, our Privacy Statement (which addresses how we handle and protect your data and information) the Complete You With Credit Community Guidelines, and any additional terms applicable to our services that may be posted on or in connection with the Services from time to time, all of which are incorporated by reference herein.

Please read this Agreement, our Privacy Statement and the Complete You With Credit Community Guidelines carefully. By accessing, using and/or subscribing to our Services, Websites and/or Applications, you understand and agree to be bound by the terms and conditions of this Agreement and our Privacy Statement. If you do not agree to this Agreement or the terms of our Privacy Statement, you are not authorised to use our Services, Websites and/or Applications. By accepting this Agreement, you represent that you have the capacity to enter, or if you are acting on behalf of a company or entity, that you have the authority to bind such entity, into a legally binding contract, and you agree that this Agreement legally binds you as if such agreement was executed in writing and by your own hand.

3. Personal Data Protection Act (PDPA)

You With Credit is subject to and complies with the Singapore Personal Data Protection Act 2012 (“PDPA”).

The PDPA establishes a general data protection law in Singapore which governs the collection, use and disclosure of individuals’ personal data by organisations. We undertake to protect your personal data in accordance with the PDPA and as set out in our Privacy Statement.

4. Description of the Service

You With Credit is a financial account aggregation and portfolio visualization, analytics and reporting service.   We can aggregate financial information that you choose to provide to us, or otherwise authorize us to have access to, process the information into an aggregated portfolio and report it to you for your general information on a user-only restricted access area on our Website, Applications and/or our other platforms.

You With Credit is also an online platform that provides general financial content for information purposes only to users, a space to generate community content and product reviews, and a rewards programme for users to participate in special promotions.

5. Registration and Subscription Fee

There is currently no prescribed registration and subscription fee for the usage of the You With Credit website and/or applications. We earn money by charging the concerned third-party provider(s) a fee and/or commission for the leads / business generated. You With Credit reserves the right to impose such fee at a later date, but will seek your consent before charging you any fee.

6. Terms & Termination

Modification of Terms

We may revise the terms of this Agreement from time to time and the most current version will always be posted on the Website or made available through our various platforms. If the revision, is material, we will notify you by e-mail, through any one of the platforms or via other means of communication. That said, you are responsible for checking the terms of this Agreement regularly. By continuing to access or use the Services after revisions become effective, you agree to be bound by the revised terms. If you do not agree to the revised terms, you may cancel your subscription by sending us a request via the message function in the You With Credit Website user area, or by email to [email protected].

We reserve the right to suspend, limit or terminate your use and access of Services and/or to cancel your account at any time without further notice and for any reason whatsoever.

7. Your Obligations

(a) Service Access

You must:

(i) ensure that your username and password required to access the Services are kept secure and confidential at all times and agree to make every reasonable effort to prevent unauthorised third parties from accessing the Services using your username and password. In the event of any unauthorized use of your username and password or any other security breach, you must notify You With Credit immediately and take all other actions necessary or as required by You With Credit to maintain the security of the Services;


(ii) not attempt to undermine the security or integrity of You With Credit’ computing systems or networks where the Services are hosted, or take or permit any action which may impair the functionality of the Services;


(iii) not attempt to copy, reproduce, reverse engineer or decompile any computer program, design, functionality and any other component of the Services, or engage in any Automated Data Collection for any purpose whatsoever without our prior express written permission;



(iv) not attempt to gain unauthorized access to any materials other than those contained in your ‘user only’ area or to which you are otherwise expressly permitted to access; and



(v) not transmit or upload into the Services any files containing malicious computer codes or any software that may damage our computing systems or networks or any other person’s computing device or any content that may be offensive or any material or data in violation of any law; and

(v) not use the Services in a way that interferes with, disrupts or imposes an unreasonable or disproportionately large burden on our communications and technical systems as determined by us; and

(vii) not use any automatic computer code, process, program, robot, net crawler, spider, data processing, trawling or alternative ‘screen scraping’ computer code, process, program or system; and



(viii) warrant at all times that any information or data provided by you to You With Credit in connection with this Agreement is your own, is true and correct, is not unlawful, fraudulent, improper, unauthorized, harassing, discriminatory, libelous, abusive, threatening, harmful, vulgar, obscene or otherwise objectionable and does not infringe any rights, including intellectual property rights or confidentiality rights, of any person or in any manner that could constitute a criminal offence or give rise to civil liability or regulation, in all cases as determined by us and that you are fully entitled to furnish such information or data to You With Credit for purposes of this Agreement and, for so long as your Account remains in force;

(ix) comply with the Complete You With Credit Community Guidelines when participating in any Discussions, Comments, Replies, Reviews, or Opinions (the “User Content”). Any User Content uploaded by you onto our Services, or any of our platforms, shall be intended solely for the purpose of responsibly informing other users and members of our platform of your opinion of the financial services and/or products that are the subject of the User Content. Upon upload, any of your User Content shall be deemed to be the intellectual property of You With Credit and by uploading such User Content you warrant that you own the copyright of any content uploaded and thus have the requisite right to transfer and/or assign the same to us. We may use such User Content in whole or in part at our sole discretion (e.g. for marketing, promotion or improvement of our service) on our website or our platform or such social media platforms, newsletters, special promotions, apps or other channels owned, hosted, used or controlled by us and our business partners. We reserve the right to adjust, amend, refuse or remove your User Content at our sole discretion. You With Credit will not accept User Content which:

• Include profanity, hate speech, threats of violence or personal attacks; and/or
• Are unlawful, fraudulent, improper, harassing, libelous, abusive, threatening, harmful, vulgar, obscene, defamatory, sexually explicit or discriminatory; and/or
• Promote illegal activities (e.g. drugs, prostitution); and/or
• Contain full names or other personal information such as email addresses, residential addresses or phone numbers; and/or
• Contain politically sensitive comments; and

(x) take responsibility for all User Content uploaded by you. You acknowledge and agree that your User Content are solely your views and opinions, and do not express the views or opinions of You With Credit.

(b) Usage Limitations

You may only use the Services in accordance with and within the limitations of your Subscription as set out in this clause. You must only use the Services strictly for your or, if you are using our Services for and on behalf of an organization, your organization’s own lawful purposes. You may not purport to licence, sell, lease, outsource or otherwise share or permit the use of the Services to or with any third party, whether or not such actions are undertaken for financial gain. Usage beyond this limitation will result in a suspension or cancellation of your Subscription and you may also be liable for payment of any costs, losses and/or damages that may be suffered by us as a result.

(c) No Financial Advice or Investment Advice

For the content which is created on the You With Credit platform

The information provided on our platform (the “Information”) is

(a) intended for general circulation in Singapore; and

(b) not intended for general circulation outside of Singapore. You understand and agree that the reports, analyses and other content provided to you by the Services is solely for your own general information purposes and does not constitute financial advice and may not be used by you to make financial or investment decisions, which should be based on your own independent research and analysis. For the avoidance of doubt, Information, reviews, comments and/or any statements made on our Services or any of our platforms are not intended to constitute any form of advice, recommendation, representation, endorsement, arrangement or offers to subscribe to or for any financial, investment, insurance and/or payment services products by us and is not intended to be relied on by you in making (or choosing not to make) any specific investment or any other financial decision.  

The Information does not constitute an offer or solicitation to buy or sell any financial and/or investment product(s). It does not take into account the specific investment objectives, financial situation or particular needs of any person. It is your sole responsibility to seek advice from a financial adviser before investing in any investment products, adopting any investment strategies or applying for any financial products. While we strongly advise that you to seek advise from an independent financial advisor before adopting any investment strategies or applying for any financial products, in the event that you choose not to seek advice from an independent financial adviser, you should always consider whether the product in question is suitable for you . The financial and investment product(s) discussed herein or within the Information are subject to significant investment risks, including but not limited to the possible loss of the principal amount invested. Any examples provided are for illustrative purposes only. Past performance of investment products is not necessarily a guide to future performance. You With Credit and its affiliates may deal in investment products in the usual course of their business, and may at any given time be on the opposite side of trades by investors and market participants. Any statements or information expressed by other organisations are of the respective authors. You With Credit and its affiliates make no warranty as to the accuracy, completeness, merchantability or fitness for any purpose, of the Information or as to the results obtained by any person from the use of any Information, financial or investment product(s) mentioned within the Information.

You With Credit undertakes no responsibility to update the Information. You With Credit reserves the right to make changes to the Information from time to time. In no event shall the Information, its contents, or any change, omission or error in the Information form the basis for any claim, demand or cause of action against You With Credit and/or any of its affiliates and You With Credit and/or its affiliates expressly disclaim liability for the same. In the event that the Information or any part thereof is recirculated, transmitted or otherwise distributed in any format to any other person by a recipient, such recipient will have the full responsibility to ensure that such recirculation, transmission or distribution complies with all applicable laws, rules, regulations and directives in all the relevant jurisdictions. You With Credit and its affiliates hereby disclaim all responsibility and liability arising in connection with such recirculation, transmission or distribution.

(d) Information about Insurance Products

The Information also does not constitute an offer or solicitation to buy or sell any insurance product(s). It does not take into account the specific objectives or particular needs of any person. We strongly advise you to seek advice from a licensed insurance professional before purchasing any insurance products and/or services. For the avoidance of doubt, You With Credit Pte. Ltd. is not a licensed insurance broker or regulated by the MAS and does not carry on an insurance business. All Information relating to insurance products and services on the Services are subject to the terms and conditions of the contract between you and the applicable insurance provider. Any contract to obtain an insurance product will be entered into between you and the relevant insurance provider. You are advised to read these terms and conditions carefully and to satisfy yourself that you understand such terms and conditions thoroughly (and in appropriate cases, seek professional advice on the meaning, operation and substantive effect of these terms and conditions) before you enter a contract for such products or services. If you are in doubt as to your obligations under these Terms of Service or if you wish to seek assistance in relation to our services, you are encouraged to contact our customer service department.

(e) Information about Digital Payment Tokens and Payment Services  

The Information also does not constitute an offer or solicitation to buy, sell or facilitate the exchange of any digital payment tokens (“DPTs”) or for the provision of payment services. Offers of DPTs that are securities may be regulated or exempted under the Securities and Futures Act. You understand and agree that any Information provided to you is solely for your own general information purposes and does not constitute financial advice and should not be used by you as the sole basis to make financial or investment decisions. Our statements set out in section 7(c) of this Agreement apply in respect of DPTs that are securities.

You With Credit may partner with DPT service providers including those that provide DPTs known as cryptocurrencies which are not regulated by MAS. You should be aware that DPTs themselves are not legal tender or securities in Singapore. You should be aware that if you lose money from dealing with DPTs that are not products regulated by MAS, you may not have any legislative protection or be able to get assistance from MAS. This includes situations where a DPT service is provided by a person regulated by MAS, but where the DPT itself is not regulated by MAS. Persons that buy, sell or facilitate the exchange of cryptocurrencies are payment services providers who may be regulated by MAS under the Payment Services Act 2019 for money-laundering and terrorism financing risk only. It is your responsibility to check and confirm whether a person is regulated or exempt from regulation by MAS. You With Credit undertakes no responsibility for any loss you may suffer or incur which results or arises from your decision to deal with payment services providers or DPTs.

Before you become a customer of a digital payment token service provider, you should be aware of the following:

• Your DPT service provider may be licensed or specifically exempted by MAS from holding a license to provide DPT services. Please note that this does not mean you will be able to recover all the money or DPTs you paid to your service provider if your service provider’s business fails.
• You should not transact in a DPT if you are not familiar with DPTs generally or not familiar with the particular DPT you are considering. Transacting in DPTs may not be suitable for you if you are not familiar with the technology that DPT services are provided.
• You should be aware that the value of any DPT may fluctuate greatly. You should buy DPTs and/or deal with persons that facilitate DPT services only if you are prepared to accept the risk of losing all of the money you put into such tokens.

(f) Mobile Services

The Services include certain Services that may be available through a mobile device, including (i) the ability to submit information to the Services via a mobile device, (ii) the ability to verify and authenticate your account for the Services and (iii) the ability to browse the Services and the Website from a mobile device (together, the “Mobile Services”). To the extent that you access the Services through a mobile device, your wireless service carrier’s standard charges, data rates and other fees may apply. In addition, using certain Mobile Services may be prohibited or restricted by your carrier, and not all Mobile Services may work with all carriers or devices. By using the Mobile Services and/or providing your mobile telephone number to us through the Services, you agree that we may communicate with you regarding our products and services, your account and/or our service providers by SMS, MMS, text message or other electronic means to your mobile device and that certain information about your usage of the Mobile Services may be communicated to us. In the event you change or deactivate your mobile telephone number, you agree to promptly update information that you have submitted to us. If your information is not up to date, we may not be able to provide the requested information, products or services to you.

8. Ownership and Rights

(a) Your Data

(i) The financial account statements, iBanking details, transaction details and other financial data (collectively, your "Personal Financial Data") and Personally Identifiable Information that you provide to us or otherwise authorize us to have access to, is your property.


(ii) You grant us a nonexclusive, worldwide, perpetual, irrevocable, royalty-free, sublicensable right to exercise the copyright and database rights you have in your Personal Financial Data and Personally Identifiable Information. You agree to allow us to store or re-format your Personal Financial Data and Personally Identifiable Information in any way we choose. We will only use your Personal Financial Data and Personally Identifiable Information in accordance with our Privacy Policy.


(iii) You acknowledge that, for your privacy, security and other operational reasons, your data in the original form received by us may be deleted without being backed-up by us after such data has been processed for purposes of the Services.


(iv) If you decide to stop the Services and cancel your Subscription and account, we will delete your Personal Financial Data and Personally Identifiable Information, from the Services, within a reasonable time. Kindly note that (a) there may be some latency in removing this information from our servers and back-up storage; and (b) we may retain your data and information, and in certain cases, may disclose the same to third parties if necessary to comply with applicable laws and legal obligations, resolving disputes, enforcing this Agreements and protect our intellectual property rights.

(b) You With Credit Intellectual Property

(i) The technology and contents of the Services, contain text, graphics, images, illustrations, logos, button icons, Anonymised Data, Aggregated Anonymised Data, photographs, videos, tutorials, editorial content, notices, software and other content (the “Content”), including, but not limited to, the "look and feel", are the property of You With Credit (and/or its licensors). Such Content may be copyright, trademark, patent, trade secret or other proprietary rights and laws and is our property and/or the property of our third-party licensors, as may be applicable.

(ii) As part of the Services, You With Credit grants you a non-exclusive, limited, royalty-free, revocable license, during the term of this Agreement, to use our Services to facilitate your personal, non-commercial use of the Services, if you abide by the following conditions:

Content cannot be used for any business or commercial functions without our written permission. Such rights cannot be sold, licensed or transferred to any third party without our express written consent

• You are not permitted to modify or change any of the Content on the Services.  It shall not be excerpted, reproduced, published, used, reformatted and/or displayed on another website without our written permission;
• The standing of us and our licensors as authors of such data, content, material or information should be acknowledged at all times;
• Images, logos, trademarks or service marks, displayed on the Services are either our property or the property of our third-party licensors and are protected by the applicable copyright laws, trademark laws, the laws of privacy and publicity and/or other intellectual property law(s).  Any unauthorized use of images, logos, trademarks or service marks, displayed on the Services may violate the applicable laws.

(iii) You acknowledge and agree that You With Credit and the You With Credit logos are our trademarks and/or service marks and may not be used by you without our prior written consent.

(iv) Any distribution, reprint or electronic reproduction of any content from the Services, in whole or in part, is strictly prohibited without our prior written consent.

(v) All intellectual property rights such as patents, trademarks, logos, net domain names, ethical rights, data, supply codes, software, specifications, know-how, processes and business strategies (in all cases whether or not registered or unregistered and as well as all rights to use for registration) in and about the Services (including data or Content displayed on it) are owned by us and/or our licensors and all such rights are reserved.  Nothing in these Terms of Service or our Services grants you, by implication, estoppel, or otherwise, any license or right to use the Content except as expressly stated in these Terms and Conditions.  Except as mentioned elsewhere in these Terms of Service, none of the intellectual property rights that belong to us or our licensors in and about the Services (including data or Content displayed on it) can be used, copied, modified, published, transmitted, sold, excerpted, reverse designed, reproduced, reformatted or distributed by you without our express written consent in each instance.

(vi) Any reviews, comments, questions, ideas, feedback, statements or other information uploaded by you onto our Services or any of our platforms shall be intended solely for the purpose of responsibly informing other users and members of our platform of your opinion of the [financial services and/or products that are the subject of the review]. Upon upload, any of your reviews shall be deemed to be the intellectual property of You With Credit and by uploading such reviews you warrant that you own the copyright of any content uploaded and thus have the requisite right to transfer and/or assign the same to us.  We may use such reviews in whole or in part at our sole discretion (e.g. for marketing, promotion or improvement of our service) on our website or our platform or such social media platforms, newsletters, special promotions, apps or other channels owned, hosted, used or controlled by us and our business partners.  We reserve the right to adjust, amend, refuse or remove reviews at our sole discretion. You With Credit will not accept reviews which:

• Include profanity, hate speech, threats of violence or personal attacks.
• Are sexually explicit or discriminatory.
• Promote illegal activities (e.g. drugs, prostitution).
• Contain full names or other personal information such as email addresses, residential addresses or phone numbers.
• Contain politically sensitive comments.
• Include unlawful, fraudulent, improper, libelous, abusive, threatening, harmful, vulgar, obscene or defamatory content

9. Indemnity

You indemnify us against all costs, losses and damages arising from your breach of any of the Agreement and any other obligation you may have to Us.

10. Service "As Is"

Our Services are provided to you on an "as is" basis and, to the fullest extent permissible by law, we make no express or implied warranty as to the accuracy, timeliness, availability or uninterrupted use of the Services. You hereby acknowledge that your use of the Services is at your sole risk. Whilst we will use reasonable commercial efforts to ensure that all information from your Personal Financial Data is accurately captured, extracted and/or entered into our system, we do not guarantee the accuracy, integrity or quality of this process or any reports and/or analysis generated by You With Credit. You are responsible for reviewing and verifying all such reports and/or analysis and promptly informing us of any errors noted. Subject to that, we will take steps to investigate and rectify any confirmed errors as soon as reasonably practicable following receipt your notification.

11. Limitation of Liability

(a) We aim to give you uninterrupted access to the Services and Website. However, we do not guarantee or warrant that any content or functions associated with the Services and Website will be uninterrupted or error free, or that defects will be corrected or that the Services and Website and its server will be free of all viruses and/or other harmful elements.

(b) To the maximum extent permitted by law, we will not be liable to you for any loss (including loss of information, data, revenues, profits or savings) or damage resulting, directly or indirectly, from any use of, or reliance on the Services and/or our Website as a result of reliance on the content, and/or arising out of or in connection with these Terms of Service whether in contract, tort or otherwise, even if we have been informed of the possibility of such damage. You assume sole responsibility for results obtained from the use of the Services and/or our Website and the conclusions drawn from such use. Any and all liability for any and all indirect losses or damages suffered or incurred by you or those which were not foreseeable as a result of your access and/or use of the Services is excluded.

Notwithstanding the foregoing, nothing in these Terms of Service shall limit our liability for personal injury or death, fraud, or for any other liability the exclusion or limitation of which is not permitted by any applicable law or regulation.

(c) Without limiting clause 11(a), if you suffer loss or damage as a result of our negligence or failure to comply with our obligations under this Agreement, any claim by you against us relating to this Agreement, whether in contract, tort or otherwise, will in any event not exceed in the aggregate of fifty Singapore dollars (S$50).

12. Third Party Web Sites, Content, Products and/or Services

The Services may enable you to link to the websites and to access the content, products and/or services of third parties, including users, advertisers, affiliates and sponsors of such third parties. The views expressed in third-party websites do not represent our views. We have no control over and are not responsible for any such third-party websites or content, products or services and you agree to bear all risks associated with your access to and/or use of any such third party websites, content, products and services.

Your use of any third-party website is regulated by the terms and conditions and privacy policy of that website. Such terms and conditions and privacy policy may totally differ from these Terms and Conditions and our Privacy Statement. It is your responsibility to go through the terms and conditions and privacy policy of the relevant third-party websites before using that website. We are not responsible for any loss you will suffer or incur resulting or arising from the terms and conditions or the privacy policy of any third party website or for any acts, omissions, errors or defaults of any third party as a result of their terms and conditions and/or privacy policy.

All hyperlinks to other websites are provided as a matter of convenience to you as a user of the Services and our Website. In no circumstances shall we be considered associated or affiliated in whatever manner with any trade or service marks, logos or insignia that appears on such third-party websites.

The Services and/or Website may provide, or third parties may provide, links or other access to other sites and resources on the Internet. Under no circumstances will we be liable in any way for any content or materials of any third parties (including users) appearing on the Services and Website, including, but not limited to, for any errors or omissions in any content, or for any loss or damage of any kind incurred as a result of the use of any such content.

13. General

(a) Entire agreement

This Agreement, together with our Privacy Statement, your Subscription and any other notices or instructions given to you under this Agreement, supersedes and replaces all prior agreements, representations (whether oral or written), and understandings and constitute the entire agreement between you and us relating to the Services and the use of our Websites and Applications.

(b) Waiver

No waiver of any claim, right or entitlement will be effective unless made in writing. If either Party waives any breach of this Agreement, this will not constitute a waiver of any other or continuing breach.

(c) Delays

Neither Party will be liable for any delay or failure in performance of its obligations under this Agreement if the delay or failure is due to any cause outside its reasonable control. This clause does not apply to any obligation to pay money. If the event leading to such delay continues for more than 1 month, either Party will be entitled to terminate this Agreement, upon written notice to the other, whereupon this Agreement shall forthwith terminate with no further claims on the part of either Party but without prejudice to any previously accrued claims.

(d) No Assignment

You may not assign or transfer any rights under this Agreement to any other person without our prior written consent. Subject to that, this agreement shall inure to the benefit of and be binding upon the Parties hereto and their respective successors and assigns.

(e) Governing law and jurisdiction

This Agreement shall be governed and construed in accordance with the laws of Singapore. Any dispute arising out of or in connection with this Agreement, including any question regarding its existence, validity or termination, shall be referred to and resolved by arbitration in Singapore in accordance with the Arbitration Rules of Singapore International Arbitration Centre ("SIAC") for the time being in force which rules are deemed to be incorporated by reference to this clause. The tribunal shall consist of one (1) arbitrator to be appointed by the President of the SIAC Court of Arbitration. The language of the arbitration shall be in English. The physical venue of the arbitration shall be Singapore. The decision of the arbitrator shall be final and binding on the Parties and may be used (without limitation) as a basis for judgment in any country which has ratified the 1958 New York Convention on the Recognition and Enforcement of Foreign Arbitral Awards.

(f) Severability

If any part or provision of this Agreement is invalid, unenforceable or in conflict with the law, that part or provision shall be deemed replaced with a provision which, as far as possible, accomplishes the original purpose of that part or provision or if such replacement is not practicable shall be deemed deleted, in either case without affect the legality and binding nature of the remainder of this Agreement.

(g) Notices

Any notice given under this Agreement by either Party to the other must be in writing, by email, or by electronic communication via the Website and will be deemed to have been given on transmission, unless the recipient can satisfactorily establish that the email or electronic communication was not received by the recipient’s email or web server. Notices to us must be sent by email to [email protected] or to any other email address notified by email to you by us, or by electronic communication via the Website from time to time for such purpose. Notices to you will be sent to the email address which you provided when registering for setting up your access to the Services (or to such updated email address as may be notified to us from time to time) or by electronic communication via the Website.

(h) Rights of Third Parties

A person who is not a party to this Agreement has no right to benefit under or entitlement to enforce any term of this Agreement.

(i) Relationship of Parties

You acknowledge and agree that we are merely a service provider in connection with the Services and that nothing in this Agreement shall cause or constitute the Parties to be partners, agents or fiduciaries of, or joint ventures with, each other.

(j) Complaint Procedure

We aim to provide all our customers with a high level of service and satisfaction but if you wish to complain about any aspect of our services with you please contact by writing to:

EMAIL: [email protected]

For the purposes of handling complaints, our working hours are from 9 a.m. to 6 p.m. every Monday to Friday, excluding Public Holidays.

We cannot answer complaints on behalf of a third-party product or service providers or accept or admit responsibility for any such complaints. We recommend that you visit the website of the product or service provider and follow their complaints procedure if you wish to lodge a complaint with them.